What Coverage
Is Right For You?

What types of coverage do you need for your home and belongings and how much should you have? Estimate the coverage ranges that are appropriate for you. Our Calculator can help you get started.

Liability Coverage

Liability protects the property owner from claims arising from injuries or damage to other people or property. For example, if someone was hurt tripping on the loose brick on your front step, your liability insurance would pay (up to your coverage limits) for the injured person’s medical expenses.

Deductible Amount

The deductible is the maximum amount that you must pay toward your own losses before you can recover from the insurance company. The deductible is chosen by you, and generally, the lower the deductible, the higher the insurance premium.

Identity Theft

Identity Fraud Expense coverage will help you recover from identity theft by reimbursing you for certain covered expenses providing coverage up to $15,000 per occurrence and up to $30,000 per policy period. As an added benefit, Liberty Mutual has an Identity Theft Crisis Resolution Center where a personal counselor will immediately notify the three national credit bureaus and provide a year of credit monitoring to prevent further losses.

Liability Coverage: No Coverage

Liability protects the property owner from claims arising from injuries or damage to other people or property. For example, if someone was hurt tripping on the loose brick on your front step, your liability insurance would pay (up to your coverage limits) for the injured person’s medical expenses.

Deductible Amount: No Coverage

The deductible is the maximum amount that you must pay toward your own losses before you can recover from the insurance company. The deductible is chosen by you, and generally, the lower the deductible, the higher the insurance premium.

Identity Theft: No Coverage

Identity Fraud Expense coverage will help you recover from identity theft by reimbursing you for certain covered expenses providing coverage up to $15,000 per occurrence and up to $30,000 per policy period. As an added benefit, Liberty Mutual has an Identity Theft Crisis Resolution Center where a personal counselor will immediately notify the three national credit bureaus and provide a year of credit monitoring to prevent further losses.

The Calculator is a tool designed to help you estimate coverages and amounts that might be best for you, based on the information you provide. The Calculator is not intended to suggest or recommend specific coverage selections or limits but rather to provide information for you to consider. Coverage types and availability vary by state; additional coverages and amounts are also available.